FAIRSURE TRAVEL INSURANCE - SINGLE & MULTI TRIP / HANDBOOK - YOUR COVER - St Flannan's College
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FAIRSURE TRAVEL INSURANCE
SINGLE & MULTI TRIP / HANDBOOK - YOUR COVER
REV18092018
TABLE OF CONTENTS
PAGE IMPORTANT INFORMATION PAGE SECTION PAGE GENERAL
2 Medical Warranty 14 (1) Cancellation 29 Important Notice
3 Schedule of Cover 15 (2) Curtailment 29 General Exclusions
5 Hazardous Activities 16 (3) Personal Accident 30 General Conditions
7 Who We Are 16 (4) Medical Expenses 31 Claims Information
7 Important Medical Information 18 (5) Medical Inconvenience Benefit 31 Complaints Procedure
8 Health Agreements 18 (6) Personal Baggage 32 Data Protection
9 Waived Medical Conditions 19 (7) Personal liability
11 Definitions 19 (8) Personal Assistance
20 (9) Lost/Stolen Travel Tickets
20 (10) Lost Passport Expenses
20 (11) Travel Delay/Abandonment
21 (12) Missed Departure/Connection
22 (13) Hijack
22 (14) Catastrophe
22 (15) Government Travel Advice
23 (16) Non-Operation of Flight
23 (17) Business Cover
24 (18) Golf Cover
26 (19) Winter Sports
27 (20) Scheduled Airline Failure
27 (21) Third Party Supplier Insolvency
28 (22) Event Cancellation
28 (23) Cruise Connection
28 (24) Natural Disaster
1MEDICAL WARRANTY
AT THE TIME OF BOOKING AND AT THE TIME OF STARTING YOUR TRIP, YOU (OR ANYONE INSURED ON THIS POLICY) MUST BE:
• Healthy & fit to travel
• Not travelling against medical advice
• Not taking the recommended treatment or prescribed medication as directed by a doctor.
• Not travelling to obtain medical treatment abroad
IF YOU ANSWER YES TO THE FOLLOWING QUESTION AND WISH YOUR MEDICAL CONDITION TO BE COVERED YOU MUST
CONTACT ACCIDENT & GENERAL TO COMPLETE A MEDICAL SCREENING.
TELEPHONE : ROI (091) 501645 or UK/NI (028) 956 80133
Q. At the time of taking out this policy and/or booking of a trip, have you been prescribed YES NO
medication (including repeat prescriptions), received treatment or attended a G.P. or hospital as
an outpatient or inpatient in the last 2 years?
The following exclusions apply to all Insured Persons at the time of taking out this cover or at the
time of booking the Trip :
• This policy cannot provide cover relating directly or indirectly to any medical condition where you are
on a waiting list or are receiving hospital treatment or awaiting the result of any tests or investigations
• If you have been diagnosed as having a terminal illness, this policy is NOT suitable for you and
we cannot offer you cover.
You do not have to declare your condition if it is mentioned on the waived conditions list on pages 9 & 10 if it is the
only one you have and is well controlled as long as you have been fully discharged from any post-operative follow up
and any and all ongoing treatment or investigation.
Cover for cancellation or curtailment claims due to an immediate relative, travelling companion or close business
associate’s pre-existing medical condition is only available on Platinum Plus
Terms and conditions apply. Refer to Health of immediate relatives, travelling companions,close business associates
and any person you are planning to stay with on pages 7, 8 & 9.
IMPORTANT
• It is your responsibility to review the answer to the medical question asked and if you are in any doubt or it is
incorrect, you must contact Accident & General Medical Screening. The answers given form part of your insurance
certificate.
• If someone has answered the above questions on your behalf, it is your responsibility to ensure that the answer given
is correct and accurate. Any claim arising will be treated as such.
• If you fail to disclose a condition or if your answers to the medical questions are incorrect, this may result in your
claim being turned down and your policy being invalid.
• No claim arising directly or indirectly from a pre-existing medical condition affecting you and known to you will be
covered unless:
a) You have declared all pre-existing medical conditions to us; and
b) You have declared any changes in your health or prescribed medication; and
c) We have accepted the condition(s) for insurance in writing; and
d) You have paid any additional premium required.
2FAIRSURE SINGLE / MULTI TRIP – SCHEDULE OF COVER (EURO)
PLATINUM PLATINUM PLUS
No. SECTION GOLD GOLD EXCESS
(No Excess) (No Excess)
€100 (Single Trip)
1 Cancellation €4,000 €7,500 €10,000
€25 Loss of Deposit
Airline Cancellation / Tax Fees €100 €100 €100
2 Curtailment €3,000 €100 €6,500 €10,000
3 Personal Accident €25,000 NIL €40,000 €50,000
4 Medical Expenses €5,000,000 €100 €7,500,000 €10,000,000
4a Dental Treatment N/C N/C €450 €450
€25 per day up to €25 per day up to €25 per day up to
5 Medical Inconvenience Benefit €0
€400 €650 €1000
6 Baggage €1,750 €100 €2,500 €3,000
Single Article Limit €150 €350 €500
Valuables Limit €200 €500 €750
Delay €100 €100 €100
Money Limit €150 €400 €500
7 Personal liability (Per Policy) €2,500,000 €0 €2,500,000 €2,500,000
8 Personal Assistance €250 €0 €250 €250
9 Lost / Stolen Travel Tickets €500 €75 €500 €1,000
10 Lost Passport Expenses €400 €0 €400 €500
€25 1st 12 hour, €25 1st 12 hour, €25 1st 12 hour,
11 Travel Delay €15 each 12 hours €15 each 12 hours €15 each 12 hours
thereafter up to €150 thereafter up to €150 thereafter up to €150
Abandonment €4,000 €0 €7,500 €10,000
12 Missed Departure / Connection €500 €0 €500 €1,000
€50 per day up to €50 per day up to €100 per day up to
13 Hijack €0
€500 €500 €1000
14 Catastrophe €1,000 €100 €1,000 €1,000
15 Government Travel Advice €1,250 €0 €1,250 €2,000
16 Non-Operation of flight N/C N/C €500 €500
17 BUSINESS COVER
17a Company Funds N/C N/C €650 €1,000
17b Business Equipment N/C N/C €1,250 €1,500
17c Single Article Limit N/C N/C €500 €750
17d Replacement Colleague N/C N/C €2,500 €5,000
18 Golf Cover
18a Golf Equipment N/C N/C €1,250 €2,000
18b Green Fees N/C N/C €350 €350
18c Hole in One N/C N/C €200 €200
19 Winter Sports
19a Ski Equipment N/C N/C €500 €750
19b Ski Pack N/C N/C €350 €500
19c Ski Hire N/C N/C €250 €250
19d Piste Closure N/C N/C €400 €400
19e Avalanche Closure N/C N/C €125 €125
20 Scheduled Airline Failure €3,000 €0 €3,000 €3,000
21 Third Party Supplier Insolvency €3,000 €0 €3,000 €3,000
***OPTIONAL EXTRAS***
22 Event Cancellation €2,000 €0 €2,000 €2,000
23 Cruise Cover – Connection €750 €0 €750 €750
24 Natural Disaster (inc volcanic ash) €3,000 €0 €3,000 €3,000
25 Excess Waiver Optional €0 included included
KEY N/C means “Not Covered”
3FAIRSURE SINGLE / MULTI TRIP – SCHEDULE OF COVER (GBP)
PLATINUM PLATINUM PLUS
No. SECTION GOLD GOLD EXCESS
(No Excess) (No Excess)
£60 (Single Trip)
1 Cancellation £2,500 £5,500 £7,500
£25 Loss of deposit
Airline Cancellation / Tax Fees £100 £100 £100
2 Curtailment £2,500 £60 £5,000 £7,500
3 Personal Accident £7,500 NIL £20,000 £30,000
4 Medical Expenses £3,000,000 £60 £5,000,000 £6,500,000
Dental Treatment N/C N/C £350 £350
£20 per day up to £20 per day up to £20 per day up to
5 Medical Inconvenience Benefit £0
£300 £500 £650
6 Baggage £1,000 £60 £1,500 £2,000
Single Article Limit £125 £250 £350
Valuables Limit £150 £400 £500
Delay £60 £60 £60
Money Limit £125 £300 £350
7 Personal liability (Per Policy) £2,000,000 £0 £2,000,000 £2,000,000
8 Personal Assistance £250 £0 £250 £250
9 Lost / Stolen Travel Tickets £400 £50 £400 £650
10 Lost Passport Expenses £300 £0 £300 £350
£15 1st 12 hour, £10 £15 1st 12 hour, £10 £15 1st 12 hour, £10
11 Travel Delay each 12 hours each 12 hours each 12 hours
thereafter up to £100 thereafter up to £100 thereafter up to £100
Abandonment £2,500 £0 £5,500 £7,500
12 Missed Departure / Connection £400 £0 £400 £650
£40 per day up to £40 per day up to £40 per day up to
13 Hijack £0
£400 £400 £650
14 Catastrophe £600 £60 £600 £600
15 Government Travel Advice £1,000 £0 £1,000 £1,200
16 Non-Operation of flight N/C N/C £300 £300
17 Business Cover
17a Company Funds N/C N/C £500 £650
17b Business Equipment N/C N/C £1,000 £1,000
17c Single Article Limit N/C N/C £400 £500
17d Replacement Colleague N/C N/C £2,000 £3,500
18 Golf Cover N/C N/C
18a Golf Equipment N/C N/C £1,000 £1,200
18b Green Fees N/C N/C £250 £250
18c Hole in One N/C N/C £150 £150
19 Winter Sports N/C N/C
19a Ski Equipment N/C N/C £400 £500
19b Ski Pack N/C N/C £250 £350
19c Ski Hire N/C N/C £200 £250
19d Piste Closure N/C N/C £300 £300
19e Avalanche Closure N/C N/C £100 £100
20 Scheduled Airline Failure £3,000 £0 £3,000 £3,000
21 Third Party Supplier Insolvency £3,000 £0 £3,000 £3,000
***OPTIONAL EXTRAS***
22 Event Cancellation £1,500 £0 £1,500 £1,500
23 Cruise Cover – Connection £500 £0 £500 £500
24 Natural Disaster (inc volcanic ash) £3,000 £0 £3,000 £3,000
25 Excess Waiver Optional £0 Included Included
KEY N/C means “Not Covered”
4You are only covered for taking part in any sports or activities if they are listed below and the appropriate policy level has
been purchased.
KEY : Fairsure Gold Fairsure Platinum Fairsure Platinum Plus
You must ensure that any activity is adequately supervised and appropriate safety equipment is worn/used at all times
whilst participating in the activity.
You will not be covered for personal liability cover Section 7 whilst partaking in any of these activities
SCHEDULE OF HAZARDOUS ACTIVITIES
ACTIVITY POLICY ACTIVITY POLICY
4x4 Off-roading (Within organiser’s guidelines. No
G, P, P + Cycling (Excluding professional and mountain biking, no racing) G, P, P +
liability cover)
Abseiling P, P + Dancing (Including instruction) G, P, P +
Aerial Safari Deep-sea fishing
G, P, P + G, P, P +
(Chartered aircraft and organised excursion) (Provided you are with a professional fisherman)
Aerial tram G, P, P + Dragon boat racing P, P +
Aerobics G, P, P + Dry slope skiing G, P, P +
Air travel (Other than as a fare paying passenger
on a regular scheduled airline or licensed charter No Cover Duathlon/Triathlon P, P +
aircraft)
Dune bashing (Within organiser’s guidelines, no personal
Air boarding G, P, P + P, P +
liability cover)
Jeep safari
Amateur athletics G, P, P + P, P +
(Within organiser’s guidelines, no guns, no personal liability cover)
American football P, P + Elephant riding G, P, P +
Expeditions
Angling G, P, P + No Cover
(Other than those packaged by a recognised tour operator)
Archaeological digging G, P, P + Falconry G, P, P +
Fell walking / Running (Up to 3,000 metres above sea level, not
Archery (Provided it is properly supervised) G, P, P + G, P, P +
using picks or ropes)
Assault course P, P + Fencing P, P +
Badminton G, P, P + Fives G, P, P +
Banana boating (Only as a passenger with no right Flying (As passenger in a private plane, helicopter or light aircraft
G, P, P + P, P +
of control) up to 12 hours, no personal liability cover)
Baseball P, P + Flying fox (cable car) P, P +
Basketball G, P, P + Frisbee G, P, P +
Battle re-enactment G, P, P + Gaelic games G, P, P +
Beach games G, P, P + Gliding (Excluding crewing and piloting) P, P +
Go-karting
Big-game hunting No Cover G, P, P +
(up to 120cc) (Provided properly supervised and organised)
Go- karting
Billiards / Snooker / Pool G, P, P + P, P +
(over 120cc) (Provided properly supervised and organised)
Blokarting (No liability cover) P, P + Golf G, P, P +
Body boarding / Boogie boarding G, P, P + Grass skiing P, P +
Bowls G, P, P + Gymnastics G, P, P +
Breathing Observation Bubble (BOB) P, P + Handball G, P, P +
Bridge Climb / Walk (Within organiser’s guidelines) G, P, P + Hang –gliding No Cover
Bungee- jumping P, P + High diving (Under 5 Meters and excluding cliff diving) P, P +
Hiking / Trekking
Camel riding P, P + G, P, P +
(up to 3,000 metres above sea level) (No Picks or Ropes)
Hiking / Trekking
Camp America Counsellor G, P, P + P, P +
(up to 6,000 metres above sea level) (No Picks or Ropes)
Canoeing / Rafting (In calm waters - not sea) G, P, P + Hockey G, P, P +
Horse-riding or Pony-trekking on a casual basis
Canoeing in white waters P, P + P, P +
(Excluding competition/ jumping. Must wear a helmet)
Canopy walking G, P, P + Hot-air ballooning ( As part of an organised excursion) P, P +
Clay pigeon shooting (No liability cover) G, P, P + Hydro zorbing G, P, P +
Climbing (On climbing wall only) G, P, P + Ice hockey No Cover
Crewing of a vessel (Inside territorial waters) G, P, P + Iron Man (Must be part of an organised Event) P, P +
Jet boating (As part of an organised excursion. No racing, no
Crewing of vessels from one country to another No Cover P, P +
personal liability cover)
Cricket G, P, P + Jet skiing (No personal liability cover) P, P +
Croquet G, P, P + Kayaking P, P +
Cross country running G, P, P + Kite surfing P, P +
Curling G, P, P + Korfball G, P, P +
Cycle Touring P, P + Lacrosse (Amateur only) P, P +
5SCHEDULE OF HAZARDOUS ACTIVITIES CONTINUED:
ACTIVITY POLICY ACTIVITY POLICY
Shark cage diving
Marathon running P, P + P, P +
(Must be pre-organised in the UK or Ireland)
Martial arts No Cover Shinty G, P, P +
Skateboarding (Excludes racing, competition and
Micro lighting No Cover G, P, P +
liability cover. Helmet & Pads must be worn)
Motor cycles/mopeds up to 125cc (Must wear a helmet
and the driver must have a full Irish or UK motorcycle G, P, P + Skin-diving G, P, P +
license or the local equivalent)
Motor cycles/mopeds over 125cc No Cover Snorkelling G, P, P +
Motor rallying in major and non-major events No Cover Soccer G, P, P +
Mountain biking (Helmet must be worn. Excluding
P, P + Softball P, P +
competition, racing or extreme cycling)
Mountaineering No Cover Sphering G, P, P +
Netball G, P, P + Squash G, P, P+
Orienteering G, P, P + Stunt events No Cover
Outward bound pursuits G, P, P + Surfing G, P, P+
Paddle boarding G, P, P + Swimming G, P, P+
Parachuting ( Single jump; tandem only) P, P + Swimming with dolphins G, P, P+
Parachuting (Solo) No Cover Table-tennis G, P, P+
Team sports (Provided they are played on an amateur and
recreational basis only and that there is no reward involved
Parascending (when attached to a speedboat) P, P + G, P, P+
directly or indirectly. If the sport is mentioned elsewhere
on this list the appropriate policy level must be obtained.)
Pedalos G, P, P + Ten- pin bowling G, P, P+
Pot-holing No Cover Tennis G, P, P+
Professional sports of any kind No Cover Trampolining P, P+
Quad-biking (Under 150cc and wearing a helmet) P, P + Tug of war G, P, P+
Racquetball G, P, P + Volleyball G, P, P+
Rambling G, P, P + Ultimate frisbee G, P, P+
Refereeing G, P, P + War Games/Paint Balling P, P+
Ringos (Within organiser’s guidelines and no cover for
G, P, P + Via Ferrata (Grades A-C) P, P+
personal liability)
Rock climbing (where ropes and guides are required) No Cover Water- Skiing (No cover for water ski-jumping) G, P, P+
Rollerblading / skating G, P, P + Water polo G, P, P+
Rounder’s G, P, P + White and black water rafting (Grades 1 to 4) P, P+
Rowing G, P, P + Windsurfing. G, P, P+
Rugby football P, P + Winter Sports: cross-country skiing (must be
Safaris with guns (including walking safaris) No Cover accompanied by a guide or instructor) , Dog Sledding,
Safaris without guns P, P + Ice- Skating, Skiing,
P, P+ (or as
Skiing off-piste (must be accompanied by a guide or Optional
Sailing / Yachting (Inside territorial waters – no cover for instructor), Snowboarding, Snow-mobiling (No cover Extra)
G, P, P + for third party injuries or liability), snow sledging and
personal liability)
Tobogganing (Excluding Cresta run. No competitive
Winter Sports)
NOTE : The following winter sports are not covered
under this policy: Ski Acrobatics, Ski Jumping, Heli-
Sand boarding / Surfing / Skiing P, P + No Cover
Skiing, Bob-Sleighing, Luge, Ski Racing of any kind, the
use of skeletons or bobsleighs, snow jumping stunts
Sand yachting (No racing, no personal liability cover) P, P + Yoga G, P, P+
Scuba-diving (Down to 30 metres provided you are with
P, P +
a certified Buddy)
Sea canoeing/kayaking (Within coastal waters) G, P, P +
Segway G, P, P +
KEY : Fairsure Gold Fairsure Platinum Fairsure Platinum Plus
6FAIRSURE TRAVEL INSURANCE IMPORTANT
This policy cannot provide cover relating directly or indirectly
YOUR INSURERS – WHO WE ARE to any medical condition where you are on a waiting list
or are receiving hospital treatment or awaiting the results
This insurance is arranged by Accident & General Insurance of any tests or investigations at the time of booking the
Services Ltd and is underwritten by Mapfre Assistance Agency insurance cover and/or trip.
Ireland (which is a registered trading name in Ireland of
MAPFRE ASISTENCIA Compania de Seguros y Reaseguros SA). If you have been diagnosed as having a terminal illness, this
policy is not suitable for you and we cannot offer you cover.
Underwriters
MAPFRE ASISTENCIA Compañía de Seguros y Reaseguros, It is your responsibility to review the answers to the medical
S.A. trading as MAPFRE ASSISTANCE Agency Ireland is question asked and noted on your certificate of insurance. If
authorised by Dirección General de Seguros y Fondos de you are in any doubt or the answers are incorrect in any way,
Pensiones del Ministerio de Economía y Hacienda, in Spain, you must contact Accident & General Medical Screening
and is regulated by the Central Bank of Ireland for conduct on (091) 501645 (if calling from the Republic of Ireland) or
of business rules. (028) 956 80133 (if calling from the UK).
The principal place of business of MAPFRE ASSISTANCE Immediate relative, travelling companion or close
Agency Ireland is at Ireland Assist House, 22-26 Prospect
Hill, Galway. MAPFRE ASSISTANCE Agency Ireland conducts business associate’s medical conditions:
business in Ireland in accordance with the Code of Conduct Cancellation or Curtailment cover for an immediate relative,
for Insurance Undertakings published by the Central Bank of
Ireland. Registered in Republic of Ireland. Reg No 903874. travelling companion or close business associate’s medical
conditions is only available under Platinum Plus. Cover for
Stamp Duties Consolidation Act 1999 cancellation or curtailment will only be in force if the policy is
The appropriate stamp duty has been or will be paid in purchased within 14 days of booking the trip and there is no
accordance with the provisions of Section 5 of the Stamp change in the medical condition from the time of purchasing
Duties Consolidation Act 1999. the trip to purchasing the insurance. There is no cover for
cancellation or curtailment due to a terminal diagnosis which
Master Policy Document has been received prior to the purchase of the insurance.
This evidence of insurance is to confirm that those
persons who have paid the appropriate premium are
insured under the Master Policy Document MAPFRE/
AG/SINAMT/V01/2018 issued to Accident & General IMPORTANT HEALTH REQUIREMENTS
Insurance Services Ltd. Reference throughout this
document to “Policy” shall be constituted to mean
RELATING TO YOU
Master Policy Document MAPFRE/AG/SINAMT/V01/2018
You must comply with the following conditions to have full
Accident & General is a multi-agency intermediary protection under this policy. If you do not comply we may
authorised and regulated by the Central Bank of Ireland. cancel the policy, refuse to deal with your claim or we may
Regulated Number 8954. Company Registration number reduce the amount of any claim payment.
146193. Registered address is 6 Leopardstown Office Park,
Burton Hall Avenue, Sandyford Dublin 18, D18 P6F5. Any medical information supplied in a Medical Health
Declaration will be treated in the strictest confidence, We will
This certificate of insurance is issued subject to the
conditions and exclusions of this insurance. This policy has only use sensitive information for the specific purpose you
been sold to you on a non-advised basis and you should read provide it, including to administer your claim and to provide
this information to ensure that it meets your requirements. the services described in the cover, which may include sharing
You may already possess alternative insurance(s) for some with service providers.
or all the features and benefits provided by this product; it
is your responsibility to investigate this. If upon reading this To be covered, you must be healthy, fit to travel and to
policy you find it does not meet your requirements, please undertake your planned trip; the insurance will NOT cover you:
refer to the relevant cooling off/policy cancellation section. a) If you are travelling against the advice of a doctor (or
Medical Warranty Questionnaire would be travelling against the advice of a doctor had
you sought his/her advice);
If you answer Yes to the following question for you or b) If you are travelling with the intention of obtaining
anyone in your party, you must contact Accident & General medical treatment or consultation abroad.
to complete a medical screening. c) If you have any undiagnosed symptoms that require
attention or investigation in the future (that is
At the time of taking out this policy and/or booking of a symptoms for which you are awaiting investigations/
trip, have you been prescribed medication (including repeat consultations, or awaiting results of investigations,
prescriptions), received treatment or attended a G.P. or
hospital as an outpatient or inpatient in the last 2 years? where the underlying cause has not been established).
d) If you are not taking the recommended treatment or
You do not have to declare your condition if it is mentioned prescribed medication as directed by a doctor.
on the waived conditions list on pages 9 & 10 if your e) For any surgery or treatment arising from investigations
condition is the only one you have and is well controlled or tests for which You were pending the results of prior
as long as you have been fully discharged from any post-
operative follow up and any and all ongoing treatment or to Your departure from Ireland or the U.K.
investigation (unless otherwise mentioned on the list).
7No claim arising directly or indirectly from a pre-existing under the national Medicare scheme. If you know you need
medical condition affecting you and known to you will be treatment, you can enrol for Medicare at a DHS Service
covered unless: Centre. If you receive treatment before you enrol, Medicare
a) You have declared all pre-existing medical conditions benefits will be reimbursed for eligible visitors.
to us; and
b) You have declared any changes in your health or If valid medical costs have been reduced using an EHIC,
prescribed medication; and other reciprocal health agreement or private health
c) We have accepted the condition(s) for cover in writing; insurance, we will not deduct any excess.
and
d) You have paid any additional premium required. EMERGENCY MEDICAL EXPENSES
Each insured person who has a pre-existing medical The Fairsure Travel Insurance policy is NOT a Private
condition must make a medical health declaration before Medical Insurance policy, and does not provide cover for
each period of insurance and, if there are any changes procedures that can be carried out in your home country
in health or prescribed medication, prior to start of the after repatriation. Medical costs in private facilities abroad
period of insurance or departing on any trip. will not be covered unless authorised in advance by us
and no private treatment will be covered where medically
suitable state facilities are available.
Failure to declare all pre-existing medical conditions that
are relevant to this insurance may invalidate the policy.
Medical Emergency: In the event of a medical emergency
you must contact us as soon as possible on +00353
We may ask you to obtain, at your own expense, a medical 91 501645. You MUST contact us before incurring any
report from your General Practitioner or Consultant in expenses. If you are physically prevented from contacting
order to assess whether cover is available. us immediately, you or someone designated by you must
contact us within 48 hours.
Based on our assessment of the medical information
supplied, we will decide if the person is suitable for this
insurance, if certain exclusions or restrictions should be IMPORTANT
imposed or if cover can be offered subject to the payment Pregnancy and Childbirth
of an additional premium. If we offer cover, and if the cover This policy is designed to provide cover for unforeseen
is subject to the payment of an additional premium, cover events. Pregnancy and childbirth are not considered as
will not commence until we have received full payment unforeseen events. For the avoidance of doubt, please
and provided written confirmation to you. note that cover is ONLY given under Sections 1, 2, 4 and
5 of this policy for claims arising from complications of
Please see the medical warranty above. pregnancy and childbirth. Please make sure you read the
definition of complications of pregnancy and childbirth
RECIPROCAL HEALTH AGREEMENT given under the Definitions below.
Europe and EHIC HEALTH OF IMMEDIATE RELATIVES, TRAVELLING
If you are travelling to European Union countries you COMPANIONS, CLOSE BUSINESS ASSOCIATES AND
should obtain a European Health Insurance Card (EHIC). ANY PERSON YOU ARE PLANNING TO STAY WITH
You can apply as an Irish citizen either through your
local Post Office and/or Health Board or download an IMPORTANT LIMITATIONS
application form here CANCELLATION AND CURTAILMENT COVER
http://www.hse.ie/eng/services/list/1/schemes/EHIC/ Important health requirements relating to you and your
EHIC_Application_Form.pdf immediate relatives travelling companions, close business
associates and any person you are planning to stay with
or as a citizen of the United Kingdom or Northern Ireland
you can apply by downloading an application form here: This policy will NOT cover any claims under Sections 1and 2
(Cancellation and Curtailment) arising directly or indirectly
http://www.nhs.uk/NHSEngland/Healthcareabroad/EHIC from any medical condition affecting any immediate
or by telephoning 0300 330 1350. relative, travelling companion, close business associate or
any person you are planning to stay with if:
This will entitle you to benefit from the reciprocal health • a terminal diagnosis had been received prior to the start
agreements which exist between certain European countries. of the period of insurance; or
• they were on a waiting-list for, or had knowledge of the
AUSTRALIA AND MEDICARE need for, surgery, inpatient treatment or investigation
If you are travelling to Australia and you have to go to hospital, at any hospital or clinic at the start of the period of
you must register for and make use of the treatment offered insurance (unless Platinum Plus cover purchased); or
8• if during the 90 days immediately prior to the start of • Benign Prostatic Enlargement
the period of insurance they had: • Bladder Infection (no ongoing treatment, no hospital
i) required surgery, inpatient treatment or hospital admissions)
• Blepharitis
consultations (unless Platinum Plus cover purchased); • Blindness
or • Blocked Tear Ducts
ii) required any form of treatment or more than 1 prescribed • Breast - Fibroadenoma
medication (unless Platinum Plus cover purchased) • Breast Cyst(s)
• Breast enlargement / Reduction
• Broken Bones (other than head or spine) – (no longer
IMPORTANT INFORMATION REGARDING PLATINUM in plaster)
PLUS COVER FOR CANCELLATION AND CURTAILMENT. • Bunion (Hallux Valgus)
• Bursitis
Cancellation or Curtailment cover for an immediate • Caesarean Section
relative’s pre-existing medical conditions under Platinum • Candidiasis (oral or vaginal)
Plus will only be in force if the policy is purchased within • Carpal Tunnel Syndrome
• Cartilage Injury
14 days of booking the trip and there is no change in the • Cataracts
medical condition from the time of purchasing the trip to • Cervical Erosion
purchasing the insurance. There is no cover for cancellation • Cervicitis
or curtailment due to a terminal diagnosis which has been • Chalazion
received prior to the purchase of the insurance. • Chicken Pox (fully resolved)
• Cholecystectomy
You should also refer to the appropriate policy sections • Chronic fatigue syndrome (if only symptom is fatigue
and General Exclusions. and no hospital admissions)
• Coeliac Disease
• Cold Sore (Herpes Simplex)
IMPORTANT • Common Cold(s)
Consumer Insurance Act • Conjunctivitis
You are required by the provisions of the Consumer Insurance • Constipation
(Disclosure and Representations) Act to take care to: • Corneal Graft
a) supply accurate and complete answers to all the • Cosmetic Surgery
questions we or the administrator may ask as part of your • Cyst - Breast
application for cover under the policy; • Cyst - Testicular
• Cystitis (no ongoing treatment, no hospital admissions)
b) to make sure that all information supplied as part of • Cystocele (no ongoing treatment, no hospital admissions)
your application for cover is true and correct; • D&C
c) tell us of any changes to the answers you have given as • Deaf Mutism
soon as possible. • Deafness
• Dental Surgery
Failure to provide answers in-line with the requirement of • Dermatitis (no hospital admissions or consultations)
• Deviated Nasal Septum
the Act may mean that your policy is invalid and claims • Diabetes (non-insulin) - no hospital admission in
may not be paid. previous 12 months, no other medical conditions
• Diarrhoea and/or Vomiting (resolved)
• Dilatation and Curettage
WAIVED MEDICAL CONDITIONS • Dislocations (no joint replacements or hospital admissions)
• Dry Eye Syndrome
The following medical conditions are covered without • Dyspepsia
additional charge and subject to the normal terms and • Ear Infections (resolved - must be all clear prior to travel if flying)
conditions of this insurance, provided (a) the insured person(s) • Eczema (no hospital admissions or consultations)
• Endocervical Polyp
are not awaiting surgery for the condition, and (b) the insured • Endocervicitis
person(s) have been fully discharged from any post-operative • Endometrial Polyp
follow-up and ongoing treatment or investigation. • Epididymitis
• Epiphora (Watery Eye)
• Abnormal Smear Test • Epispadias
• Achilles Tendon Injury • Epistaxis (Nosebleed)
• Acne, Acronyx (Ingrowing Toe-nail) • Erythema Nodosum
• Adenoids • Essential Tremor
• Allergic Rhinitis • Facial Neuritis (Trigeminal Neuralgia)
• Alopecia • Femoral Hernia
• Anal Fissure/Fistula • Fibroadenoma
• Appendectomy • Fibroid - Uterine
• Asthma - no more than 1 inhaler, no hospital admissions • Fibromyalgia
in previous 12 months, no other medical conditions • Fibromyositis
• Astigmatism • Fibrositis
• Athlete’s Foot (Tinea Pedis) • Frozen Shoulder
• Attention Deficit Hyperactivity Disorder • Gall Bladder Removal
• Bell’s Palsy (Facial Paralysis) • Ganglion
• Glandular Fever (full recovery made)
9• Glaucoma • Osteochondritis
• Glue Ear (resolved - must be all clear prior to travel if flying) • Otosclerosis
• Goitre • Overactive Thyroid
• Gout • Parametritis
• Pediculosis
• Grave’s Disease • Pelvic Inflammatory Disease
• Grommet(s) inserted (Glue Ear) • Photodermatosis
• Gynaecomastia • Piles
• Haematoma (external) • Post Viral Fatigue Syndrome (if the only symptom is
• Haemorrhoidectomy fatigue and no hospital admissions)
• Haemorrhoids (Piles) • Pregnancy (provided no complications)
• Hallux Valgus (Bunion) • Prickly Heat
• Hammer Toe • Prolapsed Uterus (womb)
• Hay Fever • Pruritis
• Hernia (not Hiatus) • Psoriasis (no hospital admissions or consultations)
• Herpes Simplex (Cold Sore) • Repetitive Strain Injury
• Herpes Zoster (Shingles) • Retinitis Pigmentosa
• Hip Replacement (no subsequent arthritis and never • Rhinitis (Allergic)
any dislocation of a joint replacement) • Rosacea Ruptured Tendons
• Hives (Nettle Rash) • Salpingo-oophoritis
• Housemaid’s Knee (Bursitis) • Scabies
• HRT (Hormone Replacement Therapy) • Scalp Ringworm (Tinea Capitis)
• Hyperthyroidism (Overactive Thyroid) • Scheuermann’s Disease (provided no respiratory issues)
• Hypospadias • Sebaceous Cyst
• Hypothyroidism (Underactive Thyroid) • Shingles (Herpes Zoster)
• Hysterectomy (provided no malignancy) • Sinusitis
• Impetigo • Skin Ringworm (Tinea Corporis)
• Indigestion • Sleep Apnoea (no machine used to assist breathing)
• Influenza (full recovery made) • Sore Throat
• Ingrowing Toe-nail (Acronyx) • Sprains
• Inguinal Hernia • Stigmatism
• Insomnia • Stomach Bug (resolved)
• Intercostal Neuralgia (no admissions) • Strabismus (Squint)
• Intertrigo • Stress Incontinence (no urinary infections)
• Irritable Bowel Syndrome (IBS) (provided definite • Synovitis
diagnosis made and no ongoing investigations) • Talipes (Club Foot)
• Keinboeck’s Disease • Tendon Injury
• Keratoconus • Tennis Elbow
• Knee Injury - Collateral/cruciate ligaments • Tenosynovitis
• Knee Replacement (no subsequent arthritis and never • Termination of Pregnancy
any dislocation of a joint replacement) • Testicles – Epididymitis / Hydrocele / Varicocele
• Kohlers Disease • Testicular Cyst
• Labyrinthitis • Testicular Torsion (Twisted Testicle)
• Laryngitis • Throat Infection(s)
• Learning Difficulties • Thyroid - Overactive Thyroid Deficiency
• Leptothrix • Tinea Capitis (Scalp Ringworm)
• Leucoderma • Tinea Corporis (Skin Ringworm)
• Lichen Planus • Tinea Pedis (Athlete’s Foot)
• Ligaments (injury) • Tinnitus
• Lipoma • Tonsillitis
• Macular Degeneration • Tooth Extraction / Toothache
• Mastitis • Torn Ligament
• Mastoidectomy (resolved - must be all clear prior to • Torticollis (Wry Neck)
travel if flying) • Trichomycosis
• Menopause • Turner’s Syndrome
• Menorrhagia • Umbilical Hernia
• Migraine (provided definite diagnosis is made and there • Underactive Thyroid
• Undescended Testicle
are no ongoing investigations) • Urethritis (no ongoing treatment, fully recovered
• Miscarriage • URTI (Upper Respiratory Tract Infection) (resolved, no
• Mole(s) further treatment)
• Molluscum Contagiosum • Urticaria
• Myalgia (Muscular Rheumatism • Uterine Polyp(s)
• Myalgic Encephalomyelitis (ME) (if the only symptom is • Uterine Prolapse
fatigue and no hospital admissions) • Varicocele
• Varicose Veins - legs only, never any ulcers or cellulitis (if
• Myxoedema GP has confirmed that client is fit to travel)
• Nasal Infection • Vasectomy
• Nasal Polyp(s) • Verruca
• Nettle Rash (Hives) • Vitiligo
• Neuralgia (no hospital admissions) • Warts (benign, non-genital)
• Nosebleed(s) • Womb Prolapse (uterus)
• Nystagmus
• Osgood-schlatter’s Disease
10We will provide the services and benefits described in equipment including mobile phones owned by, leased,
this handbook: hired or rented to you for use in connection with your
• during the period of insurance employment or business.
• within the geographical limits
• subject to the limits of cover, and all other terms, CLOSE BUSINESS ASSOCIATE
conditions and exclusions contained in this policy Any person whose absence from business for one or more
• to persons who have resided in the Republic of Ireland complete days at the same time as your absence prevents
or UK Area or Channel Islands (dependent on where you the proper continuation of that business
purchased the policy) for 6 months prior to purchasing
the policy and intend to return there at the end of their COMPANY FUNDS
trip (except in the case of a one-way trip) Cash, currency, bank notes, cheques, postal and money
• following payment of the appropriate premium for the orders, travel tickets, passports, and travellers’ cheques,
level of cover selected held by you on behalf of the business.
This policy will be effected in the country of purchase and COMPLICATIONS OF PREGNANCY AND CHILDBIRTH
subject to the laws of that country. Toxaemia, gestational hypertension, pre-eclampsia,
ectopic pregnancy, hydatidiform mole (molar pregnancy),
Claims will be paid in the currency in which the premium post-partum haemorrhage, retained placenta membrane,
was paid. placental abruption, hyperemesis gravidarum, placenta
praevia, stillbirths, miscarriage, medically necessary
FAIRSURE COVER emergency Caesarean sections/medically necessary
• Single trip cover has a maximum trip duration of 185 days. emergency termination and any premature births more
• Multi-trip cover has a maximum trip duration of 45 than 8 weeks (or 16 weeks in the case of a known multiple
days. The period of cover is 365 days from the chosen pregnancy) prior to the expected delivery date.
start date. There is no limit on the number of trips that
may be undertaken in any one period of 365 days. The CURTAILMENT
maximum number of days’ cover for winter sports Return early to your home in your home country.
activities in any one period of 365 day is 17 days.
• Annual multi-trip cancellation cover starts from the DOCTOR
start date of your policy, not from the date you take A registered practising member of the medical profession
out the policy. Single trip cover cancellation cover starts who is not related to you or to any person with whom you
from the date you take out the policy. are travelling.
• Winter sports cover is not available to persons aged
over 69 years on the first date of travel. EXCESS
• FAIRSURE annual multi-trip cover is not available to The first amount of each claim as shown on the schedule
persons aged 70 years or over on the date cover starts. of cover. This is payable by each insured person.
• For all policies, trips must start and end in your home
country except in relation to one-way trips, and you EVENT
must have a return ticket. A concert, sporting event, match, competition, or other
public entertainment for which tickets are bought before
DEFINITIONS the date of travel, taking place at a specific location on
a specific date, or other organised event/ occasion e.g.
Wherever the following words and phrases appear in this wedding abroad, scout jamboree, amateur competition
handbook they will always have these meanings: which is the main purpose of your trip.
ACCIDENTAL BODILY INJURY FAMILY
A sudden, violent, external, unexpected specific event, Up to two adults and their children, (including step
which occurs at an identifiable time and place, which children, foster children, grandchildren and children under
solely and independently of any other cause results, within legal guardianship) under the age of 18 (or under the
12 months, in the death, loss of limb, loss of sight or the age of 23 years if in full time education), all permanently
permanent total disablement of an insured person. residing together.
EMERGENCY ASSISTANCE SERVICE GEOGRAPHICAL LIMITS
The emergency service provider nominated by us. The countries for which you have paid the appropriate
premium, as specified on the Certificate of Insurance, except
BUSINESS EQUIPMENT those countries or parts of countries where the Department
All computer and ancillary equipment (including of Foreign Affairs (DFA) or Foreign & Commonwealth Office
hardware and related software) owned by or leased, hired (FCO) has advised against travel or all but essential travel.
or rented to the insured person, and communication
11UNITED KINGDOM INSURED PERSON
Scotland, England, Wales, Northern Ireland, Channel The person(s) named on the Insurance Certificate for this
Islands and the Isle of Man. policy and for whom the appropriate premium has been paid.
EUROPE LIMITS OF COVER
The continent of Europe, including all countries west of the Our maximum liability per insured person is limited to the
Ural Mountains, Canary Islands, Iceland, The Azores, islands amount states on your Schedule of Cover unless otherwise
in the Mediterranean and non-European countries bordering stated in your cover.
the Mediterranean (except Algeria, Lebanon and Libya).
LOSS OF LIMB
WORLDWIDE EXCLUDING NORTH AMERICA Physical severance at or above the wrist or ankle.
All countries worldwide, excluding The United States,
Canada, The Caribbean. LOSS OF SIGHT
The complete and permanent blindness in one or both eyes.
WORLDWIDE INCLUDING NORTH AMERICA
All countries worldwide. MANUAL WORK
Work involving the interaction with wild animals of any kind,
GOLF EQUIPMENT the installation, assembly, maintenance, repair or use of
Objects or articles usually carried by golfers required to heavy electrical, mechanical or hydraulic plant or machinery,
participate in the game of golf, including golf clubs, golf or working more than 3 metres above the ground.
shoes, golf bag, umbrella and waterproof clothing.
MEDICAL CONDITION
Any medical or psychological disease, sickness, condition,
GOVERNMENT TRAVEL ADVICE
illness or injury
Travel advice as issued by the Department of Foreign Affairs of
the government of The Republic of Ireland or The Foreign and NATURAL DISASTER
Commonwealth Office of The United Kingdom Government. Means an extraordinary natural phenomenon such as
tsunamis, earthquakes, landslides, volcanic eruptions
HAZARDOUS ACTIVITIES
(including volcanic ash clouds), atypical cyclonic storms,
The activities listed on pages 5 & 6 are defined as hazardous falling objects from space (including meteorites), and in
activities. Cover for these activities is included for general any extraordinary atmospheric, meteorological,
recreational, amateur purposes only unless otherwise stated. seismic or geological phenomenon.
If you wish to undertake a pursuit or activity which is not
listed in this policy or are in any doubt as to whether cover ONE-WAY TRIP
will apply, please call our Travel Helpline on (01) 874 8458. A single continuous journey during the period of insurance,
but with cover ceasing 12 hours after the time you first
HOLIDAY/TRIP leave the Immigration Control of your destination country.
A pre-booked journey within the countries of the
geographical limits, as stated on the certificate of PERIOD OF INSURANCE: The period shown on the
insurance, during the period of insurance and commencing certifcation of insurance . Subject to:
and ending in your home country.
• FAIRSURE Single Trip Cover - The maximum period of cover
HOME is 185 days from date of travel, except in the case of one-way
Your residential address in Republic of Ireland, United trips where cover ceases 12 hours after the time you first
Kingdom of Great Britain and Northern Ireland, the Isle of leave the Immigration Control of your destination country.
Man or the Channel Islands. Cancellation cover shall be operative from the time you
pay the premium and evidence of insurance is issued and
HOME COUNTRY will cease upon departure of your trip or in the event of a
The country where you are resident and have permanently cancellation claim on your cover all remaining cover will cease
resided for 6 months or more. for the planned Trip. In the event of a Curtailment claim all
remaining cover will cease and this cover will become void.
IMMEDIATE RELATIVE
Spouse or common-law partner, parent, parent-in-law, • FAIRSURE Multi-Trip Cover - The period of cover is
step-parent, legal guardian, children (including legally 365 days from date of purchase. Within that period of
adopted, foster and step-children, and daughter/son-in- cover the maximum period for any one holiday/trip for
law), sibling (including step-siblings and sister/ brother-in- which cover is provided is 45 days. There is no limit on
law), uncle, aunt, niece, nephew, grandparent, grandchild, the number of trips that may be undertaken in any one
or fiancé(e). period of 365 days. Cancellation cover shall be operative
from the start date this insurance is effected by you or at
the time of booking any trip (whichever is the later) and
terminates on commencement of any trip.
12The maximum number of days’ cover for winter sports PRE-EXISTING MEDICAL CONDITION
activities in any one period is 17 days for Platinum or Any medical condition, disease, illness or injury for which
Platinum Plus Cover or as shown on your certificate of you received prescribed medication, including repeat
insurance if a winter sports option has been purchased. prescriptions or for which you received treatment or
investigation or attended a G.P, hospital (as an outpatient
NOTE: For any of the Single trip and Annual Multi-trip or inpatient) in the last 2 years, or any terminal illness.
options, if you travel for more than the number of days
for which you have paid for cover, you will not be covered PUBLIC TRANSPORT
after the last day for which you have paid. There is no A train, bus, coach, ferry service or scheduled flight
cover under the Cancellation Section of this policy outside operating to a published timetable .
the period of insurance. However, if during the period of
insurance, you book a trip with a start date after the expiry REDUNDANCY
of your Annual Multi-trip policy then Cancellation cover Any insured person being unexpectedly declared
will continue for that trip provided you renew this policy redundant within the terms of the current redundancy
on or before its expiry date and there is no gap in cover. legislation or any subsequent employment legislation. If
you are self-employed your business going unexpectedly
If your return is unavoidably delayed for an insured reason into liquidation.
cover will be extended free of charge for the period of
that delay. As the cancellation cover under Section 1 STRIKE/INDUSTRIAL ACTION
commences immediately the premium has been paid, Any form of organised action which is carried out with
no refund of premium can be allowed unless the policy the intention of preventing, restricting, disrupting or
is cancelled within fourteen days of the date of issue or
otherwise interfering with the production of goods or the
receipt of the terms and conditions, whichever is later.
provision of services.
PERMANENT TOTAL DISABLEMENT
TRAVELLING COMPANION
Disablement which entirely prevents you from attending
A person(s) with whom you have booked to travel or are
to business or occupation of any and every kind which
travelling with on the same booking invoice and without
lasting for 12 months is, at the expiry of that period, in
whom your travel plans would be impossible.
the opinion of an independent qualified specialist, beyond
hope of improvement.
TRIP/HOLIDAY
A pre-booked journey within the countries of the
PERSONAL ACCIDENT
geographical limits, as stated on the certificate of
Accidental bodily injury caused solely and directly by
insurance, during the period of insurance and commencing
outward violent and visible means.
and ending in your home country.
PERSONAL BAGGAGE SINGLE ARTICLE
Suitcases, holdalls, haversacks and the like, and their A single article or a pair or set (two or more objects grouped
contents including clothing as usually carried by travellers or belonging together having certain features in common
for their own use; also, infants’ pushchairs but not tents, and that are used in conjunction with each other).
dinghies and other items not usually packed as baggage.
SKI EQUIPMENT
NOTE 1: Items hired to you, and all items loaned or Skis, bindings, ski boots, ski poles and snowboards.
entrusted to you are excluded (other than skis and ski
equipment where the appropriate winter sports premium UNATTENDED
has been paid). When you cannot see or are not close enough to your
property or vehicle to prevent unauthorised interference
NOTE 2: This travel insurance is not intended to cover or theft of your property.
expensive items for which you should take out full ‘Personal
Possessions’ insurance under your Home Contents policy. VALUABLES
Cameras, photographic and video equipment, and
PERSONAL MONEY associated equipment of any kind; computer hardware
and software; computer tablets, satellite navigation
Your cash, currency, bank notes, cheques, postal and equipment; games consoles (PlayStation, Gameboy,
money orders, travel tickets, passports, travellers’ Nintendo, etc.), accessories and games; personal
cheques, held and owned by you. organisers; mobile telephones; televisions; portable audio
equipment (DVD, CD, mini- disc, MP3 players, i-pods, etc.)
Personal liability and all associated discs and accessories; smart phones,
spectacles; prescription sunglasses, telescopes; binoculars;
Your legal liability for damages resulting from an accident. jewellery; watches (Including smart watches); furs; leather
articles; perfumes; precious stones and articles made of or
containing gold, silver or other precious metals.
13WE/US/OUR immediately notification of redundancy is received.
Means MAPFRE ASISTENCIA Compania de Seguros y 4. Your home or place of business being made uninhabitable
Reaseguros SA, trading as MAPFRE ASSISTANCE Agency due to fire, lightning, explosion, earthquake, subsidence,
Ireland, is authorised by Direccion General de Seguros storm, flood, falling trees, riot or civil commotion,
y Fondos de Pensiones del Ministerio de Economia y malicious damages, burst pipes, impact by aircraft,
Hacienda in Spain and is regulated by the Central Bank vehicles, animals or the police requesting your presence
of Ireland for conduct of business rules.The principal following burglary or attempted burglary at your home
place of business of MAPFRE ASSISTANCE Agency Ireland or place of business.
is at Ireland Assist House, 22-26 Prospect Hill, Galway.
Registered in Republic of Ireland. Reg No 903874 We will pay Up to €100/£100 for any charges payable by
you to seek refunds from your carrier for airport taxes,
WINTER SPORTS airport charges, service charges, facility charges, user
Activities carried out as detailed in the Winter Sports fees, security charges or air passenger duty relating to
Section of the Hazardous Activities Schedule on Page 6. your cancellation of your trip.
WINTER SPORTS EQUIPMENT WE WILL NOT PAY FOR:
skis, ski-bindings, ski boots, ski goggles and bindings, ski 1. The excess unless you have chosen the Platinum or
poles, snowboards. Platinum Plus level of cover or purchased the excess
waiver option.
YOU/YOUR 2. Claims under subsection 1 of this section where a
Each insured person named in the Schedule of Insurance medical certificate has not been obtained from the
attending doctor confirming it is necessary to cancel the
SECTION 1 - CANCELLATION holiday/trip. (Please see IMPORTANT NOTICE section
for conditions attached).
YOU ARE COVERED FOR: 3. More than the cancellation charge that would have
applied had you notified the travel agent/tour operator
GOLD COVER or provider of transport/accommodation immediately it
The cancellation, after the date of issue of the policy, of your was found necessary to cancel the holiday/trip.
unrecoverable travel and/or accommodation expenses. 4. Any claim arising directly or indirectly from a known
pre-existing medical condition affecting you unless you
PLATINUM AND PLATINUM PLUS COVER have declared all pre-existing medical conditions to us
In addition to the above, you are also covered for your and have acceptance in writing from us.
prepaid green fees, prepaid match tickets or prepaid 5. Any claim arising directly or indirectly from any medical
concert, entertainment and theme park tickets if you condition affecting any immediate relative, travelling
have selected the Platinum or Platinum Plus level of cover, companion who is not insured under this policy or person
which have not been used and for which you have paid or with whom you intend to stay with whilst on your trip if:
contracted to pay. a) a terminal prognosis has been received prior to the
booking of the trip and or insurance
WE WILL PAY: b) they were on a waiting-list, or had knowledge of the
Up to the amount shown in the Schedule of Cover for the need for surgery, inpatient treatment or investigation
cover level you have chosen if the cancellation of your at any hospital or clinic at the booking the trip and or
holiday/trip is necessary and unavoidable due to any of insurance (unless you have purchased the Platinum Plus
the following events occurring after payment of premium cover), or
relating to Your cover and occurring during the period of c) during the 90 days immediately prior to the booking the
insurance: trip and or insurance they had:
1. The illness, injury, death or being subject to quarantine of: • required surgery, inpatient treatment or hospital
a) You; consultations (unless you have purchased the
b) The person with whom you are intending to travel Platinum Plus cover) or
and on whom your trip depends; • required any form of treatment or more than 1
c) An immediate relative of yours, travelling companion prescribed medication (unless you have purchased
or any person you are planning to stay with or any the Platinum Plus cover).
person you are planning to stay with; or 6. Claims relating to an immediate relative’s, travelling
d) A close business associate of yours. companion ‘s, any person you are planning to stay with
2. You being called for jury service or as a witness in a Court or a close business associate’s pre-existing medical
of Law (but not as an expert witness or where your condition unless Platinum Plus has been purchased
employment would normally require you to attend court). within 14 days of booking (Single Trip Only) and/or the
3. Your redundancy or the redundancy of any person with medical condition has arisen or deteriorated from the
whom you are intending to travel arising during the time of purchasing the trip to purchasing the insurance.
period of cover, provided that we are informed in writing 7. Cancellation caused by pregnancy or childbirth unless the
14cancellation is certified by a doctor as necessary due to occurring during the period of insurance:
complications of pregnancy and childbirth. 1. The death, severe injury or serious illness that happens
8. Failure by the provider of any part of the booked trip during your trip of:
to supply the service or transport unless the event is a) You or You or your travelling companionor any
specifically covered under Section 21 of this policy and person you had planned to stay with; or
the additional premium has been paid. You should direct b) An immediate relative of yours; or
any claim in this case to the provider involved. c) A close business associate of yours.
9. Anything arising directly or indirectly from the 2. Your home or place of business being made uninhabitable
following causes: due to fire, lightning, explosion, earthquake, subsidence,
a) Prohibitive regulations by the government of any country. storm, flood, falling trees riot or civil commotion,
b) Any circumstance known to you likely to cause malicious damages, burst pipes, impact by aircraft,
cancellation prior to the booking of the trip and or vehicles, animals, or the police requesting your presence
insurance. following burglary or attempted burglary at your home
11. Claims arising due to your disinclination to travel. or place of business.
12. Anything mentioned in the General Exclusions.
NOTE - Claim payments for curtailments are calculated
IMPORTANT NOTICE pro-rata on the total cost of the holiday paid in advance,
All claims relating to cancellation due to a medical after deducting the cost of the outward and return
condition or complications of pregnancy and childbirth transport. The calculation will start from the date of return
must be supported by relevant documentation confirming to your home country.
that attendance to a doctor occurred and that advice
was given by that doctor (in the case of stress, anxiety, WE WILL NOT PAY FOR:
depression or any other mental or nervous disorder a 1. The excess as shown in the schedule of cover unless
consultant specialising in the relevant field) to cancel a trip you have chosen the Platinum or Platinum Plus level of
prior to cancellation of that trip. cover or purchased the excess waiver option.
2. Any claim arising directly or indirectly from a known
If you cancel the trip due to unforeseen illness or injury pre-existing medical condition affecting you unless you
you must provide a medical certificate from the treating have declared all pre-existing medical conditions to us
doctor stating that this prevented you from travelling. and have acceptance from us in writing.
3. Additional travelling expenses incurred, which are not
SPECIAL CONDITIONS RELATING TO CLAIMS authorised by us.
4. More than €650/£500 or the actual costs incurred by
Your cancellation must be necessary and unavoidable for
you (whichever is the lesser) if you do not contact the
you to claim. Disinclination to travel will not be covered.
Emergency Assistance Service prior to curtailing your
holiday/trip.
If you cancel your trip because your presence is required 5. Any claim arising directly or indirectly from any medical
by the police in connection with burglary or fire affecting condition affecting any immediate relative, travelling
your home during your trip, you must provide us with companion who is not insured under this policy or
written documentation from the police confirming that the person with whom you intend to stay with whilst on
loss or damage occurred during the trip. your trip if:
a) a terminal prognosis has been received prior to the
booking of the trip and or insurance
SECTION 2 – CURTAILMENT b) they were on a waiting-list, or had knowledge of the
need for surgery, inpatient treatment or investigation
IMPORTANT NOTICE at any hospital or clinic at the booking the trip and or
If you have to curtail your holiday/trip due to your illness insurance (unless you have purchased the Platinum
Plus cover), or
or injury you must seek prior approval from the Emergency c) during the 90 days immediately prior to the booking
Assistance Service on +00353 91 501645. the trip and or insurance they had:
• required surgery, inpatient treatment or hospital
consultations (unless you have purchased the
Platinum Plus cover) or
YOU ARE COVERED FOR: • required any form of treatment or more than
Your additional travel costs incurred in returning home 1 prescribed medication (unless you have
together with the the value of the unused accommodation purchased the Platinum Plus cover)
costs paid for prior to departure. 6. Curtailment caused by pregnancy or childbirth unless
the curtailment is certified by a doctor as necessary due
WE WILL PAY: to complications of pregnancy and childbirth.
Up to the amount shown in the Schedule of Cover for the cover 7. Anything mentioned in the General Exclusions.
level you have chosen if you have to cut short your holiday/trip
and have to return home due to any of the following reasons Special Conditions relating to claims
occurring after payment of premium relating to Your cover and You must obtain a medical certificate from a doctor abroad
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